Homer and Linda Biggers are what some might call “egg-o-maniacs” having recently brought the unique Broken Egg Cafe concept to Northwest Florida. With the motto “Inspiring Eggs to Excellence,” the restaurant chain features unique breakfasts, brunches and lunches and promises a totally egg-ceptional experience.
The start-up venture featured the renovation and expansion of an existing 5,600 square-foot building in downtown Pensacola as well as an equipment purchase for a total project cost of $1.4 million. Florida First Capital provided 85% financing through the 504 loan program.
“The 504 loan program presented the best financing solution for the Biggers because it offered them the maximum financing at the lowest cost for the longest term,” said James Hosman, Florida First Capital Vice President and Loan Officer for the Northwest and Florida Panhandle. “The ability to finance start-ups in the food and hospitality industry is a real need here and in communities across the state. The 504 loan program is a great product to help fulfill this need,” Hosman said.
Another Broken Egg Cafe is the first for Pensacola, though it’s the 21st in the national franchise. The Biggers are hands-on, on site owners and employ a staff of 42. Their belief is from the time a customer enters the front door, to the time they leave the cafe, they should feel like being “on holiday” and as comfortable as being in their own home.
The cafe’s creative menu offers a multitude of unique choices from egg-straordinary omelettes, eggsciting scramblers and signature benedicts to specialty brunches, salad creations and specialty sandwiches.
“Linda always talked about her family vacationing in this region when she was a child, so we took a vacation here,” Homer Biggers said. “Southern Living magazine featured a story about a restaurant called Another Broken Egg in Destin. We visited it and were delighted with the people, the service and the food. And now, with the help of Florida First Capital and the 504 loan program, here we are in Pensacola with our own location,” he said.
Thanks to the distributed credit structure of a 504 loan, savvy commercial lending partners are willing participants in the 504 program, which helps bridge the gap in hospitality related industries in terms of solid, long-term financing and gives small business owners the credit tools needed to succeed in these eggstremely competitive fields.
Visit Another Broken Egg Cafe’s website at www.anotherbrokenegg.com.
For more information about SBA 504 loans in Florida, contact Florida First Capital by visiting www.ffcfc.com, emailing at info@ffcfc.com or calling 888.320.5504.
Program Overview & Eligibility, Commercial Real Estate Loans, Machinery & Equipment Loans




